Side-by-side · Q2 2026 data
FNBC Bank vs Centennial Bank
Metric by metric
| Measure | FNBC Bank | Centennial Bank |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 47 | 76 (stronger) |
| Loan quality | 74 | 82 (stronger) |
| Earnings | 84 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 40 |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 40th | 94th |
| Total assets | $843.3M | $24.6B |
| Deposits / shares | $704.1M | $19.6B |
| Capital ratio | 9.68% | 12.61% (stronger) |
| Problem loans | 0.79% | 0.55% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.07% |
| Return on assets | 1.60% | 2.13% (stronger) |
| Loans ÷ deposits | 85.6% | 85.4% (stronger) |
| Uninsured deposits | 12.1% (stronger) | 46.7% |
| Offices | 14 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 5.0% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 2 and Centennial Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Jonesboro, AR
- Batesville, AR
- Mountain Home, AR
- Highland, AR